The seller not necessarily settled, Seller simply took the only offer they had.

Quote from @Collin Hays: I suspect that the Smokies is your best choice, simply because it is a year-round destination. 

Should it simply be one of two choices: deny application or accept application with ESA exemption even if the property qualifies for the FHA exemption?

A water line burst in the 3rd floor ceiling and by the time I discovered it there were beautiful waterfalls from the ceiling on each floor and severeal inches of water in the basement.

That's simply not true.

Most Heloc rates right now are around 7.75% to 10% so if you look at your blended rate between your fist and Heloc you would be better off doing a cash out refinance.A lot of people forget or simply do not know that if you do a cash out refinance the rate does go up but in 12 to 24 months if you do a "rate and term" refinance you can get it back down fairly close to where it was at prior.

They simply do Fannie, Freddie, FHA, VA, and USDA loans.

On Zillow, we simply call it #A with the same address.

They had named him Rommel on purpose, as they were involved with prison gang life and some people.. well I guess they simply choose to not reform or adjust.

In my experience, it is worth simply reaching out to your realtor first.